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Annual Percentage Yields effective 01-01-2009 |
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Interest Rate |
Annual Percentage Yield
(APY) (2) |
Frequency of Compounding |
Frequency of Crediting |
Minimum Balance
To Obtain APY |
Minimum Opening Deposit |
Share Certificates
3 months
6 months
1 year
2 years |
2.72
2.97
3.16
3.26 |
2.75
3.00
3.20
3.30 |
Quarterly
Quarterly
Quarterly
Quarterly |
Quarterly
Quarterly
Quarterly
Quarterly |
$500
$500
$500
$500 |
$500
$500
$500
$500 |
Jumbo Share Certificates
3 months
6 months
1 year
2 years |
2.82
3.06
3.26
3.36
|
2.85
3.10
3.30
3.40 |
Quarterly
Quarterly
Quarterly
Quarterly |
Quarterly
Quarterly
Quarterly
Quarterly |
$10,000
$10,000
$10,000
$10,000 |
$10,000
$10,000
$10,000
$10,000 |
Super Jumbo Certificates1
3 months
6 months
1 year
2 years |
2.82
3.06
3.26
3.36 |
2.85
3.10
3.30
3.40 |
Quarterly
Quarterly
Quarterly
Quarterly |
Quarterly
Quarterly
Quarterly
Quarterly |
$100,000
$100,000
$100,000
$100,000 |
$100,000
$100,000
$100,000
$100,000 |
IRA Share Certificates
1 year
2 years
Variable |
3.26
3.36
2.48 |
3.30
3.40
2.50 |
Quarterly
Quarterly
Monthly |
Quarterly
Quarterly
Monthly |
$500
$500
$0.01 |
$500
$500
$0.01 |
Savings
Regular Shares
Expandachek
Money Market Shares
$0 - 2,499.99
$2,500-$4,999.99
$25,000-$49,999.99
$10,000-$24,999.99
$5,000-$9,999.99
$50,000 & Above |
1.24
.50
1.34
1.49
2.13
1.88
1.69
2.37 |
1.25
.50
1.35
1.50
2.15
1.90
1.70
2.40 |
Quarterly
Monthly
Monthly
Monthly
Monthly
Monthly
Monthly
Monthly |
Quarterly
Monthly
Monthly
Monthly
Monthly
Monthly
Monthly
Monthly |
$0.01
$0.01
$0.01
$2,500
$25,000
$10,000
$5,000
$50,000 |
$5
$0.01
$0.01
$2,500
$25,000
$10,000
$5,000
$50,000 |
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Rates terms and conditions are normally set once a month, usually on the first, but may be set at any time at our discretion, as market conditions change. Fees or other conditions could reduce the earnings on these accounts.
- Funds must remain on deposit until maturity to earn the advertised yield, and withdrawals will reduce earnings. Substantial interest penalty for early withdrawal of funds: (a) for maturities under 90 days, all accrued interest is forfeited; or (b) for maturities over 90 days, the interest penalty is 90 days of interest.
- The annual percentage yield assumes funds will remain on deposit for a full year at the advertised rate.
- The rate may change after the account is opened.
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